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Mobile Phone Insurance

Defaqto 5 star rated

Mobile Phone Insurance

Mobile Phone Insurance

Defaqto 5 star rated

5 Star Defaqto rated mobile phone insurance which includes loss, theft and damage cover as standard from the moment you sign up!

Rated 8.6 out of 10 on Trustpilot!

All makes and models covered, from Samsung and Google to Huawei and OnePlus, our mobile phone insurance policies cover all phones up to a value of £1000.

For many of us, it's hard to imagine life without a phone – and while no-one likes to think about it getting lost, damaged or stolen, it's good to know you'll be covered should the worst happen.

Policies below DO NOT cover iPhones. For iPhone insurance click here

Your phone must be less than 6 months old at the time you sign up for insurance and you must be 18 years or over to purchase the policy. We do not cover phones purchased second hand or bought outside the UK.

Proof of usage (evidence from your network showing your phone has been in use since the policy was purchased and up to the event giving rise to the claim) and proof of purchase will be requested if you make a claim. 

Please note that any fraudulent claims will always be reported to the Police.

View all policy details
  • Loss

    if you accidentally lose your phone we will replace it.

  • Theft

    if your phone is stolen we will replace it.

  • Accidental damage

    we will either repair or replace your phone if it is damaged as a result of accidental damage, for example cracked screens etc

  • Malicious damage

    we will either repair or replace your phone if it is damaged as a result of malicious damage

  • Liquid damage

    we will either repair or replace your phone if it is accidentally water damaged, for example dropped phone in the toilet,  bath, etc

  • Mechanical breakdown

    we will either repair or replace your phone if it stops working outside the manufacturer's warranty

  • Accessory cover

    accessories up to the value of £150 are covered if they are lost, stolen or damaged at the same time as your phone

  • Overseas cover

    our insurance gives you world wide cover for up to 90 days a year.

  • e-Wallet protection

    if your phone is lost or stolen any unauthorized contactless mobile payments are covered up to £100

  • Up to £1000 of unauthorised calls, messages & downloads

    If your phone is lost or stolen any unauthorised calls are covered up to £1000

  • Phone covered for use by you & your immediate family

    your phone is also covered when used by members of your immediate family

  • 5 star rated policy

    Defaqto have awarded Insurance2go a 5 star expert rating

  • Immediate cover

    our insurance starts on the day you sign up

  • No contract & no admin fees

    you can cancel the policy at any time with no admin fees

  • No limit on claims

    some providers limit this to 1 or 2 claims a year

  • Genuine monthly policies

    some providers make you pay up to 12 months premiums if you claim

  • Online claims

    You can claim online 24/7, 365 days a year

  • Excess only £75

    some providers charge much more than this

  • 14 day cooling off period

    cancel for any reason within 14 days for a full refund

Sign up monthly £7.49the monthly policy is paid by direct debit Pay 12 months £79.99saving £9.89 compared to monthly cost
Full Cover Ts & Cs

Compare Our Phone Insurance Prices

Provider Monthly Premium Annual Premium Instant Cover
Insurance2go £7.49 £79.99 Yes
Gadget Buddy £8.00 £80.00 NO
Love It Cover It £8.99 £98.89 NO
Mobile Phone Insurance Direct £9.25 £101.75 NO
CUSC Foneguard £9.45 £103.95 NO
Brolly £9.66 £115.96 Yes
Trusted Insurances £9.75 £102.50 Yes
Switched On Insurance £9.75 £102.50 Yes
Insure My Pocket £9.99 £99.90 NO
Row £9.99 £113.89 NO
Back Me Up £9.99 £119.88 Yes
Buy Mobile Phone Insurance £10.98 £131.76 Yes
Gadget Cover £11.49 £126.39 Yes
So Sure £11.49 £137.88 Yes
Protect Your Bubble £11.49 £137.88 Yes
In My Bag £11.52 £138.24 NO
Debenhams Insurance £11.75 £122.50 Yes
Vodafone £13.50 £162.00 Yes
EE £14.00 £168.00 Yes
Carphone Warehouse (Geek Squad) £14.99 £169.99 Yes
O2 £15.00 £180.00 Yes
Captain Cover £16.49 £181.39 NO
  • five stars
    Surprised

    I'm one of those people who believe, come the revolution, insurance companies should be one of the first against the wall. However, it is the modern disease which we need. I normally couldn't be arsed to write a review but praise is due for Insurance2go. Had to make changes and within a very short time had a new policy, refund with no 'admin' fee, new direct debit and notification that old direct debit had been cancelled. Easy peasy. Great service. Thanks.

    Neil B
    See more
  • five stars
    Used for several years no problem

    Recommended by money saving expert website and have used to insure several high end electrical products. Have claimed before and repair has always been quick and easy. Perfect.

    K George
    See more
  • five stars
    Claim review

    Hi folks, wanted to post my review of a recent claim as I suspect a lot of folk ultimately want to know how that goes. Dropped my phone in water/ it stopped working. Completed a claim form online and my phone was approved for repair. Instructions were sent, I paid the excess and posted my phone in to be repaired. 

    Ultimately it looks like my phone wasn't repairable/ it must not have been cost effective as I've been sent either a new or more likely refurb phone (the next generation up in fact!) which works perfectly so far. 

    Honestly very very happy with how it's gone - haven't had any hassle. Overall timescales... sent in claim form, it was approved about 2 working days later. Once I posted the phone in it took about 4(ish?) days to receive the replacement though I sent it fairly late in the week. This worked fine for me.

    Although this is just one experience it has been a highly positive one, I would definitely recommend!

    Jennifer
    See more
  • Q
  • What does mobile phone insurance cover? 

  • A
  • All our phone policies cover you for loss, theft, accessories (up to £150), overseas cover (up to 90 days/year), unauthorised mobile payments (up to £100), unauthorised calls/messages/downloads (up to £1000), and cover for you & your immediate family. For total peace of mind our full cover policy also insures you for accidental damage, malicious damage, liquid damage and mechanical breakdown. 

  • Q
  • How to choose phone insurance?

  • A
  • Whatever policy you choose make sure it has all the cover you need. Important questions you should be asking include does the policy give you instant cover? Is there a limit on the number of claims you make in a year? How much is the excess? Are you covered for unauthorised calls, messages or downloads? Is your mobile too old? Are you covered for theft, loss and accidental damage? How long has the insurance provider been in business? 

  • Q
  • Are you already covered?

  • A
  • It's a good idea to check if you are already covered for example under bank account add-ons or home insurance. If you are already covered it's worth checking how much cover you have as home insurance/ bank add-on polices aren't always as good as dedicated policies like ours. Home insurance policies often don't cover phones outside of the house, the excess can be high and a claim for a phone could have an impact on your no claims bonus.

Prices above are based on our full cover policy and comparable levels of cover including loss. Prices were checked on the relevant websites on the 2nd August 2018. The phone checked was the Samsung Galaxy S9 64GB.